richard sandor. >>> up next on the "wall street journal report," your credit score and what you should know about the numbers that signal your financial health and how to keep them in good shape. and small no-interest loans have helped millions of poverty stricken people in the world. this week, the white house recognizes the man who pioneered microfinance. >>> your credit score -- it is a three-digit number with a lot of power. it impacts your ability to get credit as well as the interest rate that you receive when you do get a loan. for years at three major credit agencies have used a version of the formula called fico which was created by the fair issac corporation back in 1956 to grade credit worthiness. recently, equifax, transperion have joined together to form their vantage score. maria spoke to the ceo. >> i am now speaking to barrett burns, the ceo of vantage score. great to have you on the program. >> thanks for having me. >> can you tell us how your credit reporting works? the scoring algorithm. how is it different from fiko, whi which is what a lot of people are familiar wi

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